3 entries
Federal law applies everywhere too. State laws add to it. See federal laws
Medical debt is on Washington's list of items a consumer reporting agency may not include in a consumer report.
What you can do
Pull your free reports and dispute any medical debt that your state says should not be reported.
Official sources
Source checked Sep 29, 2026
Washington law lets you place a security freeze on your credit file, which stops a credit bureau from releasing your report to most new creditors until you lift it. Since September 21, 2018, federal law also makes placing and lifting a freeze free at each nationwide credit bureau.
What you can do
Place a free freeze online or by phone at Equifax, Experian and TransUnion, and keep any PIN or login you create.
Official sources
Source checked Sep 29, 2026
Washington regulates businesses that charge to improve a consumer's credit record, history or rating. The federal Credit Repair Organizations Act also applies: these companies may not charge before the promised services are fully performed, and you can cancel a contract within 3 business days.
What you can do
Dispute errors yourself for free with the credit bureau and the company that reported the item.
Official sources
Source checked Sep 29, 2026
This is general education, not legal advice. Laws change; check the official source linked on each entry.
